Apple Barclay - approved for too little

[MuadDib]

I was just approved for an Apple card in the amount of $2000.  I was planning a rMBP purchase totalling just over $3200.  I called and asked for an increase and after asking me about my salary and about an unpaid account I have with HSBC from 2007, he denied me saying that the 2 other cards I have (secured cards from CUs) are only $2000 each so they could not extend an offer above that amount.  He also gave the reasoning that they are too new (one is 1 year old and the other about 7 months).

My utilization is currently about 10% if the account I paid off last night is reflecting that already.  If not, it may be closer to 30%.  But he did not mention my utilization at all.  Just the old HSBC account, my current lines being $2k, and how new the current lines were.  He did aknowledge I've been doing well with the current lines.  I failed to see if he would tell me what my TU score is.  I know my Experian score is 609 right now.

Perhaps he didn't like my answer that I was "in the process of determing how best to address the outsanding HSBC account"??

I think I've seen others say keep calling until you get the answer you like.  What do you guys think?  Should I call back again and hope for a better answer?  Perhaps I should point out that I have plenty of cash in the bank to pay in full, I just prefer to use the 0% interest for 12 months.  I'm really trying to expand the amount of credit I have so that my utilization stays low.

I'm new to all this, so please forgive any mistakes or bad etiquette on my part.

[Anonymous]

Congrats on your approval

[MuadDib]

Thanks!  I need to not pass over the fact that this is the first non-secured card I've had in many years.  Feels good to start getting back on track. 

[afbar1114]

congrats have you looked at the 13" rMBP? its only $1699 and $500 cheaper then 15"

[wallyworld123]

Congrats just take it one step at a time.

[MuadDib]

Yes, but part of my focus is to get a larger screen than I have now for photo editing.  I'm finding the 13" screen on my Vaio is just too difficult to edit on when sitting in a coffee shop or similar.

[afbar1114]

i understand what your saying but also note that it does have a higher screen reslountion so you will be getting much need screen space as well in a sense but not compared to a 15"

[MuadDib]

Anybody else have any input on requesting an increase?

[afbar1114]

barclays is very set on once they make up their minds thats it its set instone. i tried getting one and during my recon they said once they make a chocie thats it. 

[AndySoCal]

I would do the following

1) Resolve the HSBC account

2) Keep your util low 10% or less

3) Wait at least six months  before asking for increase.  A possible concern Barcley is having is you have opened three new credit accounts within a year.  The possible concern is why is this consumer needing that much credit and now asking for more.   Presuming a consumer applies only for the credit they need  the why does this consumer need so much new credit could be a concern.The wait will bring the secure cards over a year and you  able to extablish a payment history with them.